ICICI Bank's Q4 Profit Jumps by 18% YoY and Stock Hits 52-Week/All-Time High

ICICI Bank's shares surged at the opening of the bourses, reaching a fresh 52-week high and an all-time high of ₹1,437 after the announcement of its robust Q4FY25 performance. The bank reported an 18% year-on-year (YoY) increase in its net profit, amounting to ₹ 12,630 crore or ₹ 12,629.58 crore, compared to ₹ 10,707.53 crore in the same quarter of the previous year. This strong performance led domestic brokerages to become bullish on the stock. The bank’s share price is currently trading at ₹1,414.70.

Loan Book Expansion by 13.9% YoY and NII Increase by 11% YoY

The bank demonstrated strong growth on the lending front, with its domestic loan book expanding by 13.9% YoY to ₹ 13.11 lakh crore. The retail loan segment also showed significant growth, increasing by 8.9% annually and 2% sequentially, constituting 52.4% of the total loan portfolio as of March-end 2025. Furthermore, ICICI Bank's net interest income (NII) for the quarter rose by 11% YoY to ₹ 21,193 crore, up from ₹ 19,093 crore in Q4FY24.

Net Interest Margin (NIM) Improves to 4.41%

ICICI Bank's net interest margin (NIM) in Q4FY25 stood at 4.41%, showing an improvement from 4.25% in Q3FY25 and slightly exceeding the 4.40% recorded in Q4FY24. For the entire financial year FY25, the NIM came in at 4.32%. This 16 basis point NIM expansion in Q4FY25 was noteworthy given the ongoing rate-cut cycle. For the entire financial year FY25, ICICI Bank's profit after tax climbed by 15.5% YoY to ₹ 47,227 crore. Additionally, the bank announced a dividend of ₹11 per share.

ICICI Bank's Share Price Performance and Gains

On Monday, April 21, ICICI Bank's shares surged 2.15% to a new 52-week high of ₹ 1,437. Earlier, on Thursday, the shares had closed 3.7% higher at ₹1,406.65 on the BSE. The lender’s shares have gained 10% on a year-to-date basis. Over a longer period, the stock offered a 29% return in the last three years and a substantial 320% return in five years. The share price continued its upward trend, rising 5% in April so far after a 12% gain in the last month and was up 9% in the past week and 29.48% in the past year.

Analysts Highlight Strong Operating Performance and Strategic Advantages

Analysts at Motilal Oswal highlighted that it is rare for a bank of ICICI Bank's size to surprise positively with its operating performance, especially amid a volatile macro environment and strong competition for deposits. They noted that the bank's continuous investment in technology has driven consistent productivity gains, helping to maintain cost ratios. Furthermore, the business mix has shifted towards a higher-yielding portfolio, with balanced growth across different segments. 

Nuvama also emphasized ICICI Bank's ability to deliver strong and above-expected earnings growth even in the current volatile macroeconomic conditions, suggesting an expansion in the stock’s premium compared to its peers. The stable secured asset quality and a contingency provisioning buffer of ₹13,100 crore provide additional comfort. The significant NIM expansion in Q4FY25, despite expectations of a modest increase, was particularly commended. This positive movement has led to significant increase in the share price of the Bank, currently the bank’s share price is trading at ₹1,414.70.

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